I have 100% approval on my card applications for years and years. I honestly cannot tell you when my last NO was. That is not to say I get 100% YES each time I apply for a card. In fact, most times, sometimes for ALL the cards I apply for, I get a NO until I call the reconsideration line for whatever bank I have applied for. This tends to happen when you have some 25 cards. 😉
What does help me is having a very good and strong credit score. Not just before I go for a bunch of new cards but over time. When I go for some, my score drops a few points, then over the next 91+ days or so it goes back up, most times higher than before. I always pay my balance in full each month and have never EVER missed a payment EVER!
Barclay’s reconsider number:
866-408-4064 or 800-308-6008
Barclay’s can be a hard bank to get approvals from. They want a good credit score, which I have, but then if you have cards with them they want you to USE THEM to get approved for more cards. If you get a card with them, meet the minimum spend, and then it sits in a drawer it will be much harder to get an approval for more cards. You know, I am ok with that. I use my Barclay’s Arrival card a bunch and love to spend the points to buy Delta mileage runs and such. It is a great value to me and by using the card I will have a much better shot at other cards when the time comes.
But what if you apply, get a no, and call to be reconsidered and they say no again. Are you stuck? Well maybe. I was having a fun conversation not too long ago with reader “Voucher Vulture” who you may have seen comment on the blog now and then (we are also ski pals). He went for some Barclay’s cards not too long ago for himself, his wife and also all the in-laws! Most of the family were instantly approved but one was not. They had to call the reconsideration line. The reconsideration line rep said no as well. Was it game over? No, what they did was simply wait a few hours, called back (kinda like what we do with Delta reps), and again explained why they really should be approved for the card with rep #2. Rep #2 looked at all the info, their great credit score and history, and said sure happy to approve you.
The only other option I have done in the past is writing in to be reconsidered. Once you get the NO you can write and explain why you should be approved, but lately I have found calling does the trick!
So if you are thinking about going for the sweet 150,000 points on the line from this morning’s post, and you get a no, don’t give up too fast. – René
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